Personal Finance
Advertiser Disclosure
Holly D. Johnson is a nationally recognized expert and award-winning insurance writer who covers life insurance, health insurance, and various other insurance-related topics for corporations and well-known magazines with millions of readers. Johnson also covers personal finance, credit, credit cards, and loyalty programs for a variety of publications including CNN Underscored, Bankrate, CreditCards.com and Forbes Advisor.
The author is also the founder of Club Thrifty and the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love." She and her husband Greg live in Central Indiana with their two daughters where they enjoy a debt-free lifestyle and travel up to 20 weeks of the year.
Articles by Holly Johnson
A Complete Guide to Chase Airline and Hotel Transfer Partners: Redeem and Maximize Value
Chase Ultimate Rewards points are both lucrative and flexible. Find out how to maximize these points with Chase airline and hotel partners.
How to Avoid (and Reduce) Credit Card Interest: Best Strategies
Credit card interest makes your purchases cost more, so you should avoid it or reduce it when you can.
VantageScore vs. FICO
VantageScore and FICO are the two major credit scoring models in use today, yet these companies do things slightly differently.
What Is the FICO Score 8?
FICO Score 8 is one of the most widely used FICO scores, along with FICO Score 9. Find out how this type of score works and why it matters.
Does Refinancing Hurt Your Credit Score
Refinancing a loan can hurt your credit in the short term, but the temporary damage can be worth the trouble.
How Credit Card Companies Make Money
Credit card companies make money by charging interest, miscellaneous fees, and interchange fees to merchants.
How Many Credit Cards Should I Have?
The ideal number of credit cards depends on the benefits a person can gain and whether the risk is worth the reward.
History of Credit Cards: A Brief Overview
The history of credit dates back thousands of years, but the modern version of the credit card is less than 100 years old.
How to Calculate Loan Payments and Costs
A loan calculator can help you calculate loan payments and costs, which is crucial if you want to make an informed decision before you borrow.
1.3331.0+2.5.0